想要知道美聯(lián)儲(chǔ)什么時(shí)候降息,我們需要先了解美聯(lián)儲(chǔ)是依據(jù)什么標(biāo)準(zhǔn)來判斷經(jīng)濟(jì)形勢(shì),從而選擇調(diào)整利息的。從國(guó)際形勢(shì)看,未來降準(zhǔn)降息還有空間,美國(guó)5月CPI數(shù)據(jù)表明通脹壓力低迷,使美聯(lián)儲(chǔ)在今年降息的壓力大增,央行LPR再次降息,5年期LPR比上個(gè)月的4.8%又下降了5個(gè)基點(diǎn),降到了現(xiàn)在的4.75%。
1、銀行什么時(shí)候降息?
這個(gè)看央媽,央媽一切盡在掌握。國(guó)外很多國(guó)家都實(shí)行零利率,甚至負(fù)利率,大水漫灌,我們沒有這么搞,說明經(jīng)濟(jì)還過得去。目前的話,央媽搞了一些定向?qū)捤?,比如?gòu)買小微企業(yè)信貸,即中國(guó)版QE,為的是降低實(shí)體經(jīng)濟(jì)的成本,即使這樣,央媽也不會(huì)放大水,適度穩(wěn)健是主基調(diào)。不過從國(guó)際形勢(shì)看,未來降準(zhǔn)降息還有空間,如果你的房貸要轉(zhuǎn)換成lpr,我建議剩余貸款期限10年以下的,果斷轉(zhuǎn)換。
2、你估計(jì)美聯(lián)儲(chǔ)最近在什么時(shí)候降息?降息大約多少個(gè)基點(diǎn)?
想要知道美聯(lián)儲(chǔ)什么時(shí)候降息,我們需要先了解美聯(lián)儲(chǔ)是依據(jù)什么標(biāo)準(zhǔn)來判斷經(jīng)濟(jì)形勢(shì),從而選擇調(diào)整利息的,而美聯(lián)儲(chǔ)在自己的官方網(wǎng)站上,詳細(xì)講解了自己的體系結(jié)構(gòu)以及政策目標(biāo),以及調(diào)控手段,下面讓我們來詳細(xì)查看一下:OverviewoftheFederalReserveSystem:TheFederalReserveperformsfivekeyfunctionsinthepublicinteresttopromotethehealthoftheU.S.economyandthestabilityoftheU.S.financialsystem.TheThreeKeySystemEntities:TheBoardofGovernors,theFederalReserveBanks,andtheFederalOpenMarketCommitteeworktogethertopromotethehealthoftheU.S.economyandthestabilityoftheU.S.financialsystem.ConductingMonetaryPolicy:TheFederalOpenMarketCommitteesetsU.S.monetarypolicyinaccordancewithitsmandatefromCongress:topromotemaximumemployment,stableprices,andmoderatelong-terminterestratesintheU.S.economy.PromotingFinancialSystemStability:TheFederalReservemonitorsfinancialsystemrisksandengagesathomeandabroadtohelpensurethesystemsupportsahealthyeconomyforU.S.households,communities,andbusinesses.SupervisingandRegulatingFinancialInstitutionsandActivities:TheFederalReservepromotesthesafetyandsoundnessofindividualfinancialinstitutionsandmonitorstheirimpactonthefinancialsystemasawhole.FosteringPaymentandSettlementSystemSafetyandEfficiency:TheFederalReserveworkstopromoteasafe,efficient,andaccessiblesystemforU.S.dollartransactions.PromotingConsumerProtectionandCommunityDevelopment:TheFederalReserveadvancessupervision,communityreinvestment,andresearchtoincreaseunderstandingoftheimpactsoffinancialservicespoliciesandpracticesonconsumersandcommunities.簡(jiǎn)單翻譯一下就是:促進(jìn)美國(guó)經(jīng)濟(jì)的健康和美國(guó)金融體系的穩(wěn)定。